New Life Credit Services
New Life Credit Services

frequently Asked Question & answers


What is a Tradeline, How does it work?

A tradeline is a credit line/account that is on your credit report. For example, any of your credit cards are considered tradelines on your credit report.

Your car note is a tradeline. Your mortgage is a tradeline. A student loan reporting to your credit report is a tradeline. The type of tradelines that we provide is Seasoned Authorized User tradelines, with perfect payment history, low utilization (under 30% unless otherwise noted) and perfect payment history.

We do this by adding you as an authorized user to a tradeline, allowing you to “piggyback” off of the account in good standing. This is possible because creditors will provide credit bureaus the entire account history on any given tradeline for an authorized user. FICO® digests this newly added credit and recalculates your score.

What is an Age Progressional Tradelines Packages?

It’s a truly unique and powerful custom service called the “Age Progressional Tradeline Package.” It’s a hand selected pack of tradelines prescribed to decrease the weaknesses in your credit score, which increases your credit score.

The oldest tradeline is a lower credit limit, and the newer tradelines are higher credit limits. This is to show that your credit has gotten better over time. Age Progressional Tradeline Package tradelines are selected from the same cardholder, or two cardholders max, to ensure the addresses are kept to a minimum. This also ensures easy, breezy posting to your credit report.

Do I need to remove Fraud Alerts from my file before adding tradelines?

Yes. Fraud alerts, credit freezes and other types of locks, block new information from showing up on your report. If you don’t remove the fraud alerts/locks then the tradeline will not post properly. It is the client’s responsibility to call each credit bureau and remove the fraud alert. It is a simple phone call to each bureau to remove it. You can always add the fraud alert back as soon as the tradeline reports if you wish.

How long does it take for a tradeline to appear on my credit report?

Typically tradelines report 10 – 15 days AFTER the statement date given you placed your order at least 3 DAYS BEFORE the statement date. Orders must be made AT LEAST 3 days before the statement date in order for your tradeline to post that month. Each tradeline has a different statement date. Our list is default sorted by statement date so you can see what is closing and posting the soonest. [We are known to make magic happen.] If you have a question about your order, please just ask us!

How long will a tradeline stay on my file?

We guarantee our tradeline(s) will stay on your report for a minimum of two posting cycles which is at least 60 days. Certain tradelines like Discover, Capital One and Chase, can remain on up to 90 days. Note that industry average is only a 30 day posting, so you are getting an amazing deal here. If you would like to extend a tradeline lease for a fee, please let us know by within 35 days of your purchase. Note that after your lease has expired, the account will remain on your credit report. It will just change to a terminated authorized user status. Its great that the account remains on your file indefinitely thus making your credit report more solid.

You have the option to extend your tradeline for an additional 30 days for half price. Please get with us before your lease ends so we can keep you on longer!

How much will my score increase?

Every client is different, but we recommend to follow the tips above in order to get the best possible boost to your credit score. If you have negative items on your credit report, this can offset the boost that you could get. Tradelines are not a band-aid, they are an enhancement.

P.S. Higher limits and older aged tradelines correlate to bigger credit score increases.

Age trumps credit limit (if you have more than 30% debt, you need both credit limit AND age).

If you have nothing on your credit file, i.e. a thin file, you must select something at least 6 months old to generate a credit score and avoid a thin file error.

The fewer addresses you have on your credit report, the better. We can filter the list by address code to help you select lines from the same cardholder or we can help you with this one-on-one.

Age Progressional Tradeline Packages are the most powerful and cost effective way to go.

All of our tradelines are under 30% unless otherwise noted in the comment section. All tradelines have perfect payment history.